What are my spending and cash withdrawal limits?

The total amount of money you can withdraw or spend each day is limited, but you can make as many individual withdrawals or spending transactions as you like each day. When you first open an account through Chime, you'll have the following spending and withdrawal limits:

Transaction type

Dollar limit

ATM withdrawal

$515 per day*

Cash-back at point-of-sale (POS)

$515 per day*

Over-the-counter (OTC) withdrawals

$515 per day*

Card purchases (signature and PIN)

$2,500 per day


You should keep in mind that the following things count toward your daily dollar limits:

      • Any fees incurred
      • Any ATM and OTC cash withdrawals
      • Funds withdrawn at a POS
      • Purchases

These limits may change at any time, and we’ll notify you by email if they do. You can view your current limits by following these steps:

      1. Open your Chime app
      2. Tap Settings
      3. Tap View limits

Daily limits are reset at midnight Mountain Time (MT). 

*ATM owner-operators, merchants, and participating banks may impose their own lower limits on cash withdrawals.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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